Optimalisasi Literasi Keuangan untuk Meminimalisasi Financial Distress dan Mendukung Keberlanjutan Koperasi
Abstract
Koperasi merupakan salah satu pilar ekonomi yang memegang peranan penting dalam meningkatkan kesejahteraan masyarakat, khususnya di sektor usaha mikro, kecil, dan menengah (UMKM). Sebagai lembaga keuangan, koperasi kerap kali menjadi alternatif sumber pendapatan bagi masyarakat umum yang tidak mampu memanfaatkan layanan perbankan konvensional. Secara operasional, koperasi kerap kali menghadapi tantangan yang signifikan dalam menilai risiko keuangan, khususnya terkait kelayakan kredit. Salah satu indikator kesulitan keuangan yang menunjukkan potensi risiko tersebut adalah Non-Performing Loan (NPL), yaitu kredit bermasalah yang dapat memengaruhi stabilitas keuangan usaha.
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